Virtual Top Up (VTU) in Indian market is known as e-Top Up (e-TU).

Available solutions in Indian market:

Name : PreTUPS (Prepaid Top UP System)

Provider : Bharti Telesoft Ltd.

The software from Indian telecom major manages the requirements of the
prepaid GSM and CDMA mobile market.
Touted as an end-to-end solution, it supports voucher-less and voucher-
based recharge.
The implementation plus license cost is around $1 million.

Known Implementation
Implemented by over 60 telecom operators' networks globally.
In India- Idea Cellular, Vodafone, Tata Teleservices, Aircel, etc
More than 110 million subscribers
Usage Point
Merchant’s phone with special SIM (known as Demo SIM)

Name : mChek Payments

Provider : mChek

mChek is a payment system that links debit/credit card or SBI bank account
to mobile phone, allowing to make payments from mobile phone. Once
registered one can pay phone bills, transfer talktime to other accounts, book
tickets for flights, movies etc from mobile via simple instructions.

Known Implementation
Airtel.
Usage Point
Customer’s phone with mChek Application.
Name : MTP-OW (Mobile Transaction Platform – One Wallet)
Provider : C-Sam Inc.

OneWallet is a device-centric software application that resides on mobile

phones, PDAs, and PCs to allow secure electronic storage of a card that is
currently in the user's physical leather wallet; MerchantWallet, an interface
that facilitates merchants in the world of electronic transactions; Wallet
Service Center that provides card issuance and revocation, wallet
management, transaction aggregation, promotion distribution, account
reconciliation and bill payment, loyalty programs, etc.

Known Implementation
Commercially launched in Japan, India and UAE.
Usage Point
Merchant’s or Customer’s phone with MTP-OW Application

Name : Oxigen MBRS (Oxigen Mobile Based Recharge Service)

Provider : Pyro Group

Mobile Top-up solution enables mobile subscribers recharge their

mobile airtime without the use of vouchers. They can recharge by
using credit card/debit card. Mobile Top-up helps make the prepaid
model more profi table and at the same time gives their subscribers a
more convenient method of topping up, anytime, anywhere. Multiple
channels like the Internet, IVR, SMS, USSD or WAP can be used. This
electronic recharge method links directly with the operator’s prepaid
system.

Known Implementation
Airtel, Vodafone, Idea, Tata Indicom, etc
Usage Point
GPRS/EDGE enabled handset.
Name : SmartTrust DP (Smart Trust Delivery Platform)
Provider : SmartTrust

It provides electronic recharge facility that allows users to top-up their

pre paid accounts via SMS or through their bank's ATM.

Known Implementation
In India- Airtel.
Usage Point
Customer’s phone via SMS & Bank’s ATM (e.g. ICICI ATM)

Name : Channel Top-up (Smart Trust Delivery Platform)

Provider : Pyro Group

Mobile Top-up solution enables mobile subscribers recharge their

mobile airtime without the use of vouchers. They can recharge by
using credit card/debit card. Mobile Top-up helps make the prepaid
model more profi table and at the same time gives their subscribers a
more convenient method of topping up, anytime, anywhere. Multiple
channels like the Internet, IVR, SMS, USSD or WAP can be used. This
electronic recharge method links directly with the operator’s prepaid
system.

Known Implementation
Airtel, BSNL, Celtel, Dialogic, ESPN, Vodafone, Idea, Intel, MTC, NMS,
Nokia, Reliance, SingTel, StarHub, Vodacom, Tata Indicom
Usage Point
Over the Internet, call centre / IVR, SMS